630 GARLAND CIRCLE, INDIAN ROCKS BEACH, FL, 33785
Active Under Contract31 days on marketListed Sep 10, 2026MLS #TB8545506
About this home
630 GARLAND CIRCLE
Under contract-accepting backup offers. Step into effortless coastal living with this turnkey, modern townhome located just steps from Indian Rocks Beach in the highly sought-after Curlew Landings South community. And Mortgage savings may be available for buyers of this listing, ask the Agent! Fully updated with clean, contemporary finishes, this bright home offers a seamless blend of style, comfort, and prime location in Indian Rocks Beach just steps from the sand. Upon entering, you're greeted by a fabulous custom finished staircase with wood tops, rails and stunning tile insets. Upstairs is Luxury Vinyl Planks and more lovely tile continued in the main floor bath. Contemporary light and fan fixtures are found in every room throughout the home. The kitchen is spacious to cook in and open to the living area with a breakfast bar for ease of interaction. It features custom cabinetry, premium granite countertops, and a full suite of stainless steel appliances. The living area showcases a cozy wood-burning fireplace creating a warm ambiance, while large glass hurricane-rated sliders open to an inviting balcony looking out on the trees, landscaping and greenbelt. Conveniently located on the main floor as well, is the secondary bedroom with custom walk-in closet, plantation shutters and full bath right next to it. The spacious primary suite upstairs serves as a true private retreat, complete with its own en-suite bathroom, a generous walk-in custom closet, and a private balcony perfect for enjoying morning coffee and coastal breezes. Practicality meets versatility on the lower level, where a freshly painted garage floor leads to a large rear bonus area—offering the perfect layout for a fitness studio, or extra storage that leads out to a charming back patio with new pavers. Residents of Curlew Landings South enjoy resort-style amenities, including a heated swimming pool, a private fishing dock, and tennis courts. Association fees pay for cable, internet, flood and exterior insurance, water, trash and sewer. Offering the ultimate blend of style, location, and Florida lifestyle, this stunning home is ready for immediate enjoyment being sold TURN-KEY FURNISHED see list. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,465
Sqft
0.03 ac
Lot size
1
Garage
1994
Year built
Three Or More
Levels
$317
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,474 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,474/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−12.3%
$/sqft vs Indian Rocks Beach actives
$317 vs $685
Days on market
31 vs 110 typical
Where $317/sqft sits among the 90 Indian Rocks Beach actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Indian Rocks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Indian Rocks Beach. See the full Indian Rocks Beach guide →
Indian Rocks — neighborhood snapshot
Population
3,655
Median age
59
Median income
$104,994
Median home value
$687,925
Avg household
2
Households w/ children
160
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Indian Rocks Beach market
$950K → $725K
Indian Rocks Beach median sold, yr/yr
94.2%
Sale-to-list ratio (12 mo)
48 of 90
Indian Rocks Beach actives have cut their price
Median sold price, Indian Rocks Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 42% below the INDIAN ROCKS BEACH 33785 median. See the full Indian Rocks Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 630 GARLAND CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$410,000
616 GARLAND CIRCLE · same community
2 bd · 2 ba · 1,465 sqft · $280/sqft · 261 DOM
Sold · Nov ’25$542,000
657 GARLAND CIRCLE · same community
2 bd · 2 ba · 1,465 sqft · $370/sqft · 269 DOM
Sold · May ’26$484,000
669 GARLAND CIRCLE · same community
2 bd · 2 ba · 1,465 sqft · $330/sqft · 157 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 630 GARLAND CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 630 GARLAND CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
630 GARLAND CIRCLE FAQs
What would the monthly payment be for 630 GARLAND CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,474/mo — principal and interest, the actual property-tax bill, the $898/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 630 GARLAND CIRCLE?+
The association fee works out to $898 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 630 GARLAND CIRCLE?+
The most recent tax bill on record (2025) was $5,671. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 630 GARLAND CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Indian Rocks Beach?+
At $465,000, this home is listed about 44% below the Indian Rocks Beach median of $824,000. The market section on this page shows how the area is trending.
Which schools are assigned to 630 GARLAND CIRCLE?+
Anona Elementary School (elementary), Seminole Middle School (middle), Richard O Jacobson Technical High School At Seminole (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the INDIAN ROCKS BEACH 33785 market on paper
$465,000 is 42% below the INDIAN ROCKS BEACH 33785 median of $799,900, and at $317/sqft it sits under the Indian Rocks Beach average of $691.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Know the monthly fee
The association fee is $898/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
Anona Elementary School, Seminole Middle School, Richard O Jacobson Technical High School At Seminole — Anona Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of REDFIN CORPORATION · Katrina Jauregui. MLS #TB8545506.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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